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Bank of Brookfield-Purdin National Association

Brookfield, MO · Cert 9385 · Capital Bancshares Inc.

National charter · OCC · 4 branches

Q2 2026

$116.7MAssets
$21.8MLoans
$103.5MDeposits
$12.4MEquity
Loan mix
83%RE $13.9M11%C&I $1.8M7%Consumer $1.1MQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $86.6M16%Noninterest $16.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.33%, down 58 bps year over year; NIM at 2.49%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.14%, down 6 bps from a year ago.
  • Funding: loans stand at 21.06% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

0.33%-58 bps YoY

Net Interest Margin (quarter, annualized)

2.49%-1 bps YoY

Efficiency Ratio (quarter, annualized)

67.56%+298 bps YoY

Tier 1 Leverage Ratio

11.14%-6 bps YoY

NIM

3.91%Q2 ’244.19%Q2 ’254.02%Q2 ’26+8%0%

Non-interest income vs. expense

1.75%Q2 ’241.66%Q2 ’251.72%Q2 ’26-4%+5%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.81%0.48%0.49%0.90%0.95%0.62%0.60%0.33%-58 bps
Return on Equity7.91%4.76%5.03%9.04%8.98%5.59%5.52%3.08%-597 bps
Net Interest Margin2.42%2.44%2.37%2.50%2.60%2.51%2.51%2.49%-1 bps
Efficiency Ratio66.24%74.68%75.66%64.58%64.99%74.36%73.01%67.56%+298 bps
Non-Interest Burden1.54%1.79%1.78%1.59%1.66%1.85%1.81%1.67%+8 bps
Growth
Asset Growth (YoY)-1.24%3.61%4.57%6.61%3.48%0.89%1.90%3.94%-267 bps
Loan Growth (YoY)0.15%4.10%7.68%9.72%9.11%6.91%2.95%-5.36%-1,507 bps
Deposit Growth (YoY)-4.19%3.05%3.67%5.69%2.75%-0.87%1.04%5.72%+3 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.05%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.03%0.00%0.00%0.00%0.00%-3 bps
Allowance / Loans1.79%1.71%1.70%1.62%1.64%1.60%1.64%1.71%+9 bps
Allowance Coverage of NPLsn/an/an/an/a33.9xn/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.90%11.37%11.33%11.20%11.58%11.43%11.32%11.14%-6 bps
Total Risk-Based Capital37.03%35.47%35.16%34.62%35.87%35.62%36.57%40.90%+629 bps
Equity / Assets10.72%9.53%9.79%10.22%11.02%10.99%10.58%10.63%+41 bps
Liquidity & Funding
Loans / Deposits22.67%22.31%22.07%23.52%24.07%24.07%22.49%21.06%-246 bps
Liquid Assets / Assets8.61%11.45%11.75%7.10%5.55%6.38%9.26%8.10%+100 bps
CRE / Total Capitaln/an/an/an/a8.23%9.77%8.66%n/an/a